In October 2018, BBC2 showed a documentary, The Debt Saviours, about the work of Christians Against Poverty (CAP), which aims to help those who have piled up debts and do not know how to cope. When CAP’s founder John Kirkby was himself in that situation back in the 1990’s, his world falling apart, a Christian couple took a real interest in him and introduced him to Jesus. His life changed dramatically. He writes: ‘This became the model of how CAP works today too: we partner qualified debt counsellors with the love of the church. It’s an equal partnership, with both sides determined to see someone become debt-free and know they are loved. Love is what the church does best, and it’s an underrated and powerful resource in the UK. All of those who go through CAP’s debt relief are given money management principles that will stay with them long after they are debt free. Contrary to popular belief, people in debt do want to pay their debts off, if they can. However, as many of them are on a very low income with little to spare, it would take them decades to achieve and insolvency can be the sensible option. This is why our head office building is called Jubilee Mill, mirroring the Old Testament’s Year of Jubilee when debts were wiped.’